They are getting bossy, impudent and intrusive to the point where it is only silly. In my opinion checking for root and especially relying on Google's certification process should be illegal. Checking for developer settings in general and debugging in particular is just
I'm more astonished the banking app does not refuse because of Magisk/open bootloader/"bad" Safety Net status/"bad" Play Integrity Status.
Working around this is an eternal cat+mouse game.
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I wouldn't trust smartphones as far as I can throw them so my knowledge of them is mostly zero. I also can't say if these thing is appropriate, safe and trustworthy:
https://github.com/Xposed-Modules-Repo/xyz.xfqlittlefan.notdeveloper
It was mentioned on XDA:
https://xdaforums.com/t/how-to-prev...ut-if-my-debugging-mode-is-on-or-not.4616873/
Banking apps do security theater, but note that USB debugging is really a security hole as it allows accessing the phone from the outside.